Call report 2014Q4
HOWARD BANK — 2014Q4
The 22 measures HOWARD BANK reported to the FFIEC for 2014Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 691,345,000 | USD | evidence → |
| Total loans | 595,798,000 | USD | evidence → |
| Allowance for loan losses | 3,602,000 | USD | evidence → |
| Securities available for sale | 41,079,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 555,395,000 | USD | evidence → |
| Interest-bearing deposits | 411,312,000 | USD | evidence → |
| Noninterest-bearing deposits | 144,083,000 | USD | evidence → |
| Equity capital | 59,166,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 23,360,000 | USD | evidence → |
| Interest expense | 2,396,000 | USD | evidence → |
| Net interest income | 20,964,000 | USD | evidence → |
| Noninterest income | 23,485,000 | USD | evidence → |
| Noninterest expense | 23,274,000 | USD | evidence → |
| Provision for loan losses | 3,255,000 | USD | evidence → |
| Pretax income | 17,692,000 | USD | evidence → |
| Income tax | 6,998,000 | USD | evidence → |
| Net income | 10,694,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 57,791,000 | USD | evidence → |
| Total capital | 61,393,000 | USD | evidence → |
| Risk-weighted assets | 574,149,000 | USD | evidence → |